Job
Description
In this role, you will be responsible for originating new business prospects within the SME sector through direct sourcing and open market channels. Your main focus will be on acquiring SME customers and managing their proposals, guiding them up to the disbursement stage. Additionally, you will meet with existing SME clients to identify business opportunities and drive revenue. Your key responsibilities will include providing SMEs with a range of working capital facilities such as Overdraft, Cash Credit, Dealer Finance, Vendor Finance, Letter of Credit, Bank Guarantee, Term Loan, etc., based on their specific needs. You will also be tasked with managing and nurturing customer relationships, addressing both service and sales queries to engage and retain SME clients. Furthermore, you will cross-sell retail banking products to SME customers to maximize revenue and meet sales targets. You will assess the credit risk associated with SME clients and their proposed financing structures, collaborating with credit and risk teams to ensure sound credit decisions. Conducting in-depth financial analysis of SME clients to evaluate their creditworthiness and funding requirements will be part of your responsibilities. You will prepare and present comprehensive credit proposals and structure credit facilities for SMEs in a manner that aligns with their business needs and risk profiles, optimizing the credit solutions offered to SME clients. Ensuring compliance with all relevant regulatory requirements and internal policies will be crucial in this role. You should stay updated on changes in regulations affecting SME banking. Qualifications: - Minimum Degree: Post Graduate/Graduate in any discipline. In this role, you will be responsible for originating new business prospects within the SME sector through direct sourcing and open market channels. Your main focus will be on acquiring SME customers and managing their proposals, guiding them up to the disbursement stage. Additionally, you will meet with existing SME clients to identify business opportunities and drive revenue. Your key responsibilities will include providing SMEs with a range of working capital facilities such as Overdraft, Cash Credit, Dealer Finance, Vendor Finance, Letter of Credit, Bank Guarantee, Term Loan, etc., based on their specific needs. You will also be tasked with managing and nurturing customer relationships, addressing both service and sales queries to engage and retain SME clients. Furthermore, you will cross-sell retail banking products to SME customers to maximize revenue and meet sales targets. You will assess the credit risk associated with SME clients and their proposed financing structures, collaborating with credit and risk teams to ensure sound credit decisions. Conducting in-depth financial analysis of SME clients to evaluate their creditworthiness and funding requirements will be part of your responsibilities. You will prepare and present comprehensive credit proposals and structure credit facilities for SMEs in a manner that aligns with their business needs and risk profiles, optimizing the credit solutions offered to SME clients. Ensuring compliance with all relevant regulatory requirements and internal policies will be crucial in this role. You should stay updated on changes in regulations affecting SME banking. Qualifications: - Minimum Degree: Post Graduate/Graduate in any discipline.
